FinWise (FINW)
NASDAQ:FINW
FINW Stock Chart & Stats
$16.77
$0.10(0.59%)
At close: 4:00 PM EST
$16.77
$0.10(0.59%)
Day’s Range― - ―
52-Week Range$13.49 - $22.49
Previous CloseN/A
Volume1.18K
Average Volume (3M)16.72K
Market Cap
$229.36M
Enterprise Value$221.69M
Total Cash (Recent Filing)$39.84M
Total Debt (Recent Filing)$4.41M
Price to Earnings (P/E)14.3
Beta0.66
Next Earnings
Apr 30, 2026EPS Estimate
0.35Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.27
Shares Outstanding13,676,859
10 Day Avg. Volume14,165
30 Day Avg. Volume16,716
Financial Highlights & Ratios
PEG Ratio0.52
Price to Book (P/B)1.19
Price to Sales (P/S)1.52
P/FCF Ratio-0.04
Enterprise Value/Market Cap0.97
Enterprise Value/Revenue1.47
Enterprise Value/Gross Profit2.41
Enterprise Value/Ebitda8.72
Forecast
1Y Price Target
$20.00Price Target Upside19.26% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)1.66
Revenue Forecast (FY)$235.21M
Bulls Say, Bears Say
Bulls Say
Loan Originations MomentumSustained high origination volumes drive durable net interest income and scale for lending-related fees. A multi-quarter origination run‑rate expands interest‑earning assets and supports long‑term revenue growth, making NII less reliant on short-term rate swings and bolstering program economics.
Conservative Balance SheetVery low leverage and rising equity provide financial flexibility to fund loan growth, absorb credit stress, and pursue BaaS partnerships without reliance on external debt. This structural conservatism supports long‑term resilience and optionality in capital allocation.
BaaS And Product/Partnership PipelineDiversified revenue via BaaS, payments (MoneyRails), and targeted programs broadens noninterest income and deepens client relationships. A durable partnership pipeline reduces single‑product dependence, creates cross‑sell synergies, and supports margin mix improvement over multiple quarters.
Bears Say
Weak Cash GenerationConsecutive years of negative operating and free cash flow weaken internal funding for growth and elevate reliance on deposits or external financing. Over time, persistent cash outflows constrain capital allocation, limit cushion for credit shocks, and may restrict shareholder returns or reinvestment.
Margin And Profitability CompressionSharp decline in margins and ROE indicates reduced earnings efficiency as the business scales. Sustained compression pressures the firm's ability to convert revenue into durable profits, potentially limiting retained earnings growth and reducing room to absorb higher credit costs or fund strategic initiatives.
Elevated Credit Costs And NPL RiskHigher net charge‑offs and rising provisions create earnings volatility and can erode capital if migration continues. Given lending growth and new product mixes, credit swings are a structural risk that can materially affect NII, provision levels, and the bank's ability to maintain disciplined underwriting over coming quarters.
FinWise News
FINW FAQ
What was FinWise’s price range in the past 12 months?
FinWise lowest stock price was $13.48 and its highest was $22.49 in the past 12 months.
What is FinWise’s market cap?
FinWise’s market cap is $229.36M.
When is FinWise’s upcoming earnings report date?
FinWise’s upcoming earnings report date is Apr 30, 2026 which is in 21 days.
How were FinWise’s earnings last quarter?
FinWise released its earnings results on Jan 29, 2026. The company reported $0.27 earnings per share for the quarter, missing the consensus estimate of $0.347 by -$0.077.
Is FinWise overvalued?
According to Wall Street analysts FinWise’s price is currently Undervalued.
Does FinWise pay dividends?
FinWise does not currently pay dividends.
What is FinWise’s EPS estimate?
FinWise’s EPS estimate is 0.35.
How many shares outstanding does FinWise have?
FinWise has 13,676,859 shares outstanding.
What happened to FinWise’s price movement after its last earnings report?
FinWise reported an EPS of $0.27 in its last earnings report, missing expectations of $0.347. Following the earnings report the stock price went down -5.095%.
Which hedge fund is a major shareholder of FinWise?
Currently, no hedge funds are holding shares in FINW
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
FinWise Stock Smart Score
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
$20.00 (19.26% Upside)
$20.00 (19.26% Upside)
Hedge Fund Trend
Decreased
By 19.0K Shares
Last Quarter.
Last Quarter.
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
8.08%
12-Months-Change
Fundamentals
Return on Equity
8.00%
Trailing 12-Months
Asset Growth
36.36%
Trailing 12-Months
Company Description
FinWise
FinWise Bancorp operates as the bank holding company for FinWise Bank that provides various banking products and services to individual and corporate customers. It offers various deposit products, including interest and noninterest bearing demand, NOW, money market, and checking and savings accounts, as well as time deposits and certificates of deposits. The company also provides small business administration, residential and commercial real estate, consumer, and commercial non-real estate loans. In addition, it offers debit cards, remote deposit capture, online banking, mobile banking, and direct deposit services; and cash management and treasury services. The company operates one full-service banking location in Sandy, Utah; and a loan production office in Rockville Centre, New York. FinWise Bancorp was founded in 1999 and is headquartered in Murray, Utah.
FINW Company Deck
FINW Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented strong business momentum—notably 22% YoY originations growth, full-year net income up 26%, expanding credit-enhanced balances that boosted NII and NIM, and healthy product/partnership pipeline—while also disclosing near-term headwinds including elevated Q4 net charge-offs, higher provisions, rising noninterest expenses and a higher efficiency ratio. Management characterized the servicing-standard-related charge-offs as a prudent, largely one-time adjustment and highlighted guidance for continued organic credit-enhanced growth and stable core originations; however, risks remain from lumpiness in NPL migrations, SBA processing seasonality, and a measured ramp for payments/BIN revenue. Overall, positives around scale, margin expansion, and product traction meaningfully outweigh the near-term credit and expense noise, with a balanced but favorable forward outlook.View all FINW earnings summariesFINW Stock 12 Month Forecast
Average Price Target
$20.00
▲(19.26% Upside)
Technical Analysis
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Ownership Overview
18.76% Insiders
9.24% Mutual Funds
6.92% Other Institutional Investors
59.25% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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